THE SAMSON BANKING COMPANY, INC.

SAMSON, AL · Supervised by FDIC

Est. 1930FDIC #16,185RSSD: FDIC-16185

Satisfactory Same

Current rating · Exam: September 2022

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Strong

ROA 1.52%

Is this bank safe?

THE SAMSON BANKING COMPANY, INC. holds a Satisfactory CRA rating (2022), is financially strong (ROA +1.52%). Overall, this bank appears financially sound.

Institution Profile

FDIC BankFind

Website

www.samsonbanking.com

Address

2 W Main St, SAMSON, AL

County

Geneva County

Established

January 1, 1930

Total Assets

$121M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

September 1, 2022

Exam Type

Small Bank

Regulator

FDIC

What is a CRA rating? →

Estimated next exam:Sep 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$121M

Total Deposits

$103M

Net Loans

$39M

Net Income

$456K

ROA

1.52%

Above avg for Small banks. Peer avg: 0.44%

ROE

10.22%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA1.52%Peer avg: 0.44%▲ Above avg

Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Mortgage Denial Rate4.00%Peer avg: 6.90%▼ Fewer than avg

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Branch Footprint

FDIC SOD 2025

Total Branches

Branch Deposits

$103M

1-Year Change

Mortgage Lending

CFPB HMDA

Year	Applications	Orig. Rate	Denial Rate
2024	100	90%	4.00%
2023	116	81.9%	7.76%
2022	122	84.43%	9.84%
2021	150	82.67%	7.33%
2020	151	84.77%	8.61%
2019	130	80%	10.77%
2018	116	74.14%	15.52%

Denial rate = denials ÷ total applications. 2024 national avg: 23.75% · Small bank avg: 6.90% · above-average shown in red

Rating History

CRA / FFIEC

Exam Date	Rating	Exam Type
Sep 2022	Satisfactory	Small Bank
Jul 2016	Satisfactory	Small Bank
Jul 2010	Satisfactory	Small Bank

6 previous ratings locked — back to 1991

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Rating Over Time

🔒 Locked

OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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